I don’t have much knowledge about investing, for now i have following investments
Now I want to get serious about investment and want to do monthly SIP so seeking for suggestion on what I should do SIP ? For now I am thinking to do monthly SIP in Nifty 50
For now I have appetite to invest 25K per month.
Why don't you do a little bit of research yourself and that way you will understand how personal finance works too...or sab gyaan muft mein chahiye?
Go easy buddy. Asking such questions and discussions also can be part of the "research"
I somehow disagree. Most of us pay very little focus towards personal finance and that's an issue because everyone wants to just get advice for free...all I am suggesting is in this digital age every single information is available on the internet from extremely basic level to advanced ones ..if only people start investing 1 hr each week on learning...asking people for advice isn't bad but it's becoming a habit these days .. personal experience though and not targeting anyone as such
With 25k a month as investible corpus, Nifty 50 MF or ETF is your best bet.
Don’t jump onto stocks unless you have 5L to invest in one stock. The effort v/s ROI doesn’t make sense lower than that.
It does make sense to invest in stocks even if you don't have a large capital base.
Starting off with small capital might not translate into a huge sum but definitely helps in understanding how stocks work, how markets operate.
Eventually when you have enough capital, leverage that to invest wisely.
I don't understand why the ROI doesn't make sense if you can't invest 5L in one stock. In terms of percentages, the returns would be identical regardless of how much disposable cash you have, right? Not arguing, just trying to get your perspective on why you think it's a bad idea.
For 90% retail investor broader ETF and MF SIPs beat their own stock selection. Nothing wrong in starting with a SIP in 3 different segments. If I were you I’d start with 40% in large cap or Bluechip mfs (nifty etf should also suffice) 15-15 mid and small caps each. 30% in debt securities. This creates yours usual 70-30 portfolio. Tweak the portion as you seem fit.
There is important rule which I always say - Nike, just do it. Don’t just research and wait for best time to enter. If it’s SIP timing doesn’t matter.
This^
Have most of my long term investments in mutual funds and a few in stocks Have seen over 5 years that having a nice split on mutual funds (40:30:30) types across large, mid, small cap is usually a good strategy, if you pick the right funds
I'd say given how India is supposed to grow over the next 10-20 years, it's a no brainer to be invested in the above.
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